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Consumer Portfolio Services (CPSS)

NASDAQ:CPSS

CPSS

Consumer Portfolio Services

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Consumer Portfolio Services (CPSS) Ratios

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181 Followers

Consumer Portfolio Services Ratios

CPSS's free cash flow for Q2 2025 was $0.99. For the 2025 fiscal year, CPSS's free cash flow was decreased by $ and operating cash flow was $0.60. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.23	0.00	0.26	0.30	12.92
Quick Ratio	0.23	0.00	0.24	0.28	12.89
Cash Ratio	0.23	0.00	0.24	0.28	0.11
Solvency Ratio	<0.01	0.02	0.08	0.09	0.10
Operating Cash Flow Ratio	3.92	0.00	3.90	1.88	2.01
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.76	1.88	2.01
Net Current Asset Value	$ -3.44B	$ -2.62B	$ -2.51B	$ -1.96B	$ -475.34M
Leverage Ratios
Debt-to-Assets Ratio	0.90	0.88	0.90	0.90	0.92
Debt-to-Equity Ratio	11.19	9.34	10.81	11.43	14.77
Debt-to-Capital Ratio	0.92	0.90	0.92	0.92	0.94
Long-Term Debt-to-Capital Ratio	0.92	0.90	0.91	0.92	0.94
Financial Leverage Ratio	12.42	10.57	12.05	12.69	16.09
Debt Service Coverage Ratio	0.50	-0.11	-0.08	-0.10	<0.01
Interest Coverage Ratio	0.74	0.42	18.47	0.87	0.20
Debt to Market Cap	17.47	13.08	13.31	7.67	21.78
Interest Debt Per Share	162.16	129.84	121.98	89.57	91.58
Net Debt to EBITDA	38.67	0.00	0.00	0.00	0.00
Profitability Margins
Gross Profit Margin	63.04%	97.03%	96.89%	95.99%	95.63%
EBIT Margin	20.51%	-0.39%	-0.67%	-0.87%	-1.05%
EBITDA Margin	20.67%	0.00%	0.00%	0.00%	0.00%
Operating Profit Margin	27.50%	28.47%	667.42%	34.14%	11.85%
Pretax Profit Margin	6.62%	28.47%	47.98%	34.14%	11.85%
Net Profit Margin	4.60%	21.13%	35.50%	24.68%	12.76%
Continuous Operations Profit Margin	4.60%	21.13%	35.50%	24.68%	12.76%
Net Income Per EBT	69.51%	74.21%	74.00%	72.28%	107.74%
EBT Per EBIT	24.06%	100.00%	7.19%	100.00%	100.00%
Return on Assets (ROA)	0.52%	1.56%	3.12%	2.20%	1.01%
Return on Equity (ROE)	6.59%	16.51%	37.65%	27.92%	16.25%
Return on Capital Employed (ROCE)	3.14%	2.10%	59.92%	3.20%	0.99%
Return on Invested Capital (ROIC)	-154.88%	1.56%	470.50%	142.60%	1.41%
Return on Tangible Assets	0.52%	1.56%	3.14%	2.22%	1.03%
Earnings Yield	10.16%	23.16%	46.36%	17.78%	22.61%
Efficiency Ratios
Receivables Turnover	0.12	0.00	373.17	84.87	0.11
Payables Turnover	0.00	0.00	0.14	0.00	0.00
Inventory Turnover	0.00	0.00	13.20	3.12	1.95
Fixed Asset Turnover	0.00	49.95	145.89	170.57	205.10
Asset Turnover	0.11	0.07	0.09	0.09	0.08
Working Capital Turnover Ratio	-2.18	-12.23	-4.22	0.29	0.12
Cash Conversion Cycle	3.08K	0.00	-2.66K	121.16	3.46K
Days of Sales Outstanding	3.08K	0.00	0.98	4.30	3.27K
Days of Inventory Outstanding	0.00	0.00	27.66	116.86	186.85
Days of Payables Outstanding	0.00	0.00	2.68K	0.00	0.00
Operating Cycle	3.08K	0.00	28.64	121.16	3.46K
Cash Flow Ratios
Operating Cash Flow Per Share	12.15	11.39	10.30	8.78	10.56
Free Cash Flow Per Share	12.16	11.36	10.20	8.70	10.56
CapEx Per Share	0.01	0.03	0.10	0.09	<0.01
Free Cash Flow to Operating Cash Flow	1.00	1.00	0.99	0.99	1.00
Dividend Paid and CapEx Coverage Ratio	911.26	425.72	100.48	100.30	9.95K
Capital Expenditure Coverage Ratio	911.26	425.72	100.48	100.30	9.95K
Operating Cash Flow Coverage Ratio	0.08	0.09	0.09	0.10	0.12
Operating Cash Flow to Sales Ratio	0.63	1.11	0.89	1.03	1.41
Free Cash Flow Yield	137.08%	121.26%	115.26%	73.39%	249.03%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.85	4.32	2.16	5.63	4.42
Price-to-Sales (P/S) Ratio	0.46	0.91	0.77	1.39	0.56
Price-to-Book (P/B) Ratio	0.63	0.71	0.81	1.57	0.72
Price-to-Free Cash Flow (P/FCF) Ratio	0.73	0.82	0.87	1.36	0.40
Price-to-Operating Cash Flow Ratio	0.72	0.82	0.86	1.35	0.40
Price-to-Earnings Growth (PEG) Ratio	0.10	-0.09	0.02	0.05	0.01
Price-to-Fair Value	0.63	0.71	0.81	1.57	0.72
Enterprise Value Multiple	40.89	0.00	0.00	0.00	0.00
Enterprise Value	3.57B	2.76B	2.64B	2.18B	2.05B
EV to EBITDA	40.89	0.00	0.00	0.00	0.00
EV to Sales	8.45	12.84	10.90	11.34	12.08
EV to Free Cash Flow	13.41	11.61	12.35	11.13	8.59
EV to Operating Cash Flow	13.42	11.58	12.23	11.02	8.59
Tangible Book Value Per Share	13.84	12.85	10.28	6.51	4.47
Shareholders’ Equity Per Share	13.84	13.14	10.90	7.54	5.90
Tax and Other Ratios
Effective Tax Rate	0.30	0.26	0.26	0.28	-0.08
Revenue Per Share	19.30	10.27	11.56	8.54	7.51
Net Income Per Share	0.89	2.17	4.10	2.11	0.96
Tax Burden	0.70	0.74	0.74	0.72	1.08
Interest Burden	0.32	-72.13	-71.81	-39.25	-11.28
Research & Development to Revenue	0.00	0.00	<0.01	<0.01	<0.01
SG&A to Revenue	0.30	0.64	0.50	0.60	0.66
Stock-Based Compensation to Revenue	<0.01	0.02	0.02	0.01	0.01
Income Quality	13.69	5.25	2.51	4.17	11.01

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